If budgets are supposed to keep us on track, why do so many of them make us feel stuck instead? In this episode, we talk about why the most common advice fails and what actually works when life keeps changing.The problem with budgets isn’t discipline, it’s design. Most advice assumes your income, expenses, and goals stay the same forever. Ours doesn’t, and neither should yours.We get into:<ul><li>Why the “stick to your budget no matter what” mantra sets you up to fail</li><li>How to spot seasonal spending patterns and stop treating them like emergencies</li><li>The difference between rules (non-negotiable facts of money) and richuals (flexible habits you can adapt)</li><li>Why cash flow management matters more than month-to-month tracking</li><li>How to stop treating budgets as a once or twice-a-month activity and start managing them in real time</li><li>How to use non-cash choices like skills, time, creativity, community as part of your default financial strategy.</li><li>The problem with formulas like 50/30/20, and why they were never built for everyone</li><li>Why sticking to the wrong budget doesn’t earn you extra credit and just ruins your motivation </li></ul>Links: <ul><li>Listen to Episode 224 - <a href='https://podcasts.apple.com/us/podcast/ep-224-how-to-actually-save-money-on-groceries-in-2025/id1562432041?i=1000722526673'>How to actually save money on groceries in 2025 </a>or <a href='https://youtu.be/Sa8jtEGDqHk?si=Qh0PFzjSW4d6aI1u'>watch it here</a></li><li>Listen to Episode 189 - <a href='https://podcasts.apple.com/us/podcast/ep-189-underconsumption-explained-how-to-live-below/id1562432041?i=1000677326425'>Underconsumption Explained</a> or <a href='https://youtu.be/0tFiLG6uEeE?si=TzN6q_DTWznqM7Vf'>watch it here</a></li><li>Georgia residents - Mark your calendars for the <a href='https://www.govotega.org/psc'>Georgia PSC Election </a></li></ul> Connect with Julien and Kiersten on our <a href='http://www.richandregular.com/'>website</a>, <a href='https://www.instagram.com/richandregular/'>Instagram</a>, <a href='https://twitter.com/richandregular'>Twitter</a>, and <a href='https://www.youtube.com/@richandregular'>YouTube</a>. <a href='https://richandregular.us19.list-manage.com/subscribe?u=ea4c6332a691ba7e83c195da7&id=dc61f8cd92'> Join our email list</a> to get updates from us, opportunities for discounts, freebies and a quick rundown on the relevant financial and career news impacting your life. Get our book <a href='https://amzn.to/3uh2bn1'>Cashing Out: Win the Wealth Game by Walking Away</a>, named 2023 best overall book about investing by Business Insider and one of the best personal finance books by Forbes If you would like to learn more about investing, check out our newest class, <a href='https://richandregular.com/learn/'>Making Money Grow</a>

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Ep 229: The only budgeting advice that matters

rich & REGULAR with Kiersten and Julien Saunders

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